Roth or Traditional IRA?

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If you work for an employer with a 401k, you likely get no benefit from a trad (depending on your income). You will phase out of being able to make a Roth contribution as you make more money. However, there is no phase out based on income for a Roth 401k. Additionally, if your 401k allows for in service rollovers, you can make an after tax contribution into your 401k, and then roll it into a Roth IRA. Meaning you can put tens of thousands of dollars into a Roth IRA every year as rollovers do not count as contributions, and are not subject to their limit.

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I do both. Not in a “flex” way. I contribute my employers max match and then roth

Highly dependent based on your income now and projected income later and what your employer has to offer

What are your goals?

Roth unless you think you’ll get taxed less after you’re 65. Once you hit $160k earnings as a single or $260k married, you’re not eligible for Roth IRA

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